Thomas Szmanda

773-766-5697 3805 Lake Street, Burlington, WI 53105 ts901c6e@westpost.net

SENIOR BANKING EXECUTIVE
Retail, Commercial & Investment Segments
GROWTH, TURNAROUND & PERFORMANCE IMPROVEMENT EXPERT
Senior executive and financial leader creating a legacy of dynamic performance i
n transforming existing operations, revitalizing teams, introducing new concepts
, and igniting growth in competitive banking markets. Expert in building relatio
nships across organizations to leverage internal capabilities, favorably exploit
external opportunities, and drive long-term revenue, market, and profit growth.
Decisive, persuasive strategist delivering unprecedented brand performance.
* Turned around declining retail/business organization for net income growth of
more than 5X. (AMCORE Bank)
* Grew core product sales 35% in just 6 months. (Citizens Bank)
* Cleared internal and external audit exceptions 100%. (Key Bank)
Executive Profile
* Multi-Site Operational Leadership * Acquisitions Integration * Cross-Sellin
g Opportunities
* Strategic Planning & Organizational Design * Customer-Centric Business Model
* New Product Suites
* Board Participation & Relationships * New Business Development * Loan & Dep
osit Growth
* Systems Redesign & Optimization * Relationship Management * Target Marketin
g
PROFESSIONAL EXPERIENCE
AMCORE BANK (NASDAQ:AMFI), Rockford/Chicago, IL, 2003 to Present
$5B banking division of AMCORE Financial, specializing in retail, business, & in
vestment products.
EXECUTIVE VICE PRESIDENT / CHIEF BUSINESS BANKING/RETAIL OFFICER
Scope of leadership: 70-branch bank throughout Wisconsin and Illinois. $1.5B in
deposits. $260M in loans.
Transformed a sinking business and retail bank organization to vibrant growth, a
n apathetic culture to strong, forward-looking direction, and a declining sales
staff to new business opportunities and execution. Oversee day-to-day operations
and the supervision of a 544-member team comprised of Business Bankers, Regiona
l Managers, Market Managers, and Operations Staff, Marketing Department, Call Ce
nter, Mortgage Division, and Indirect Lending. Instituted accountability initiat
ives and restructured the leadership team for high-performance in the areas of s
ales, service, and operations. Commercial loan committee and commercial credit
committee - Member, Board of Directors - AMCORE Bank. Member, Board of Director
s - AMCORE Investment Group.
Delivered High-Performance Growth:
* Net income: 550% (5 years)
* Investment sales: 150% (2 years)
* Core deposits: 12% (year over year)
* Business and Consumer loan balance: 10% (year over year)
* Product Cross-Sell: 10% (year over year)
* Number of bank branches: 30%
CITIZENS BANK, Pittsburgh, PA, 2002 to 2003
$80B subsidiary of Citizens Financial Group. Top 20 regional bank.
SENIOR VICE PRESIDENT / DIRECTOR OF BUSINESSS AND RETAIL BANKING
Scope of leadership: 60 branches, 450 employees, $1.2B in deposits.
Hired as Director of Business and Retail Banking following acquisition of Mellon
Bank's retail and small business lines. Created a strong management team and or
chestrated a progressive, results-focused sales culture based on transparency an
d accountability. Restructured business strategy to concentrate on client needs,
cross-selling, and expense controls. Redesigned performance-based incentive sys
tem. Delivered new small business product suite.
Delivered High-Performance Growth:
* Core product sales: 35% (first 6 months)
* Profitability: 20% annually
* Small business core deposit product sales: 15%
KEY BANK CORPORATION, Cleveland, OH, 1999 to 2002
$100B in deposits. Presence in 13 states. Top 15 regional bank.
SENIOR VICE PRESIDENT / DISTRICT LEADER
Scope of leadership: 65 retail branches in Indiana and Southern Michigan. 425 sa
les and service professionals.
Personally recommended plan to integrate Indiana and Southern Michigan retail op
erations and selected by senior management to lead the combined efforts. Crafted
the vision and strategy to institute major organizational policy changes that g
enerated a complete turnaround of results in the district. Nurtured and develop
ed successful small business and business leasing sales programs.
Delivered High-Performance Growth:
* Led Indiana district from bottom 3 to top 3 of 25 nationwide in less than 12 m
onths.
* Grew market revenue 12% (expanded cross-sales).
* Improved fee income 7% (grew small-ticket leasing program to drive low-cost ch
ecking relationships with businesses).
* Achieved "no exception" internal and external audit environment.
CHARTER ONE (acquired by Citizens Bank in 2004), Chicago, IL, 1991 to 1999
$5B in deposits and 65 branches throughout Chicagoland.
CORPORATE VICE PRESIDENT / DIRECTOR OF CONSUMER LENDING (1994-1999)
Managed $150M portfolio, product development, and loan operations in 62-branch s
ystem. Oversaw training of 300 branch employees. Redesigned product suite and in
troduced risk-based pricing for improved return on loans. Conceived and develope
d a dedicated outbound calling team with very narrow scope and a strong value pr
oposition. The highly effective program was subsequently adopted company-wide as
a best practice.
Delivered High-Performance Growth:
* Consumer loan spreads: 35%
* Loan origination: 60%
* Household growth: 12%
VICE PRESIDENT / STATEWIDE RETAIL LOAN SALES MANAGER (1991-1994)
Managed direct sales for 65 retail branches in a dual reporting environment. Ove
rsaw sales training for all consumer and mortgage products, branch promotions, a
nd incentive systems. Redesigned marketing strategy to better define its value p
roposition and dramatically improve return on investment.
Delivered High-Performance Growth:
* Sales: 15% to 25% (5 consecutive years)
EARLY CAREER
VP / DIVISION SALES MANAGER, BANK ONE, Milwaukee, WI (1986-1991)
DEPUTY ADMINISTRATOR, STATE OF WISCONSIN, Madison, WI (1986) | Commissioned by t
he Governor to revamp the Department of Industry, Labor & Human Relations system
. Reduced tax burden 20% by eliminating redundancy and excesses while improving
delivery of services. Completed project 3 months short of the 12-month target.
EDUCATION
MBA in Finance, University of Wisconsin, Whitewater, WI, 1989
BBA in Finance & Economics, University of Wisconsin, Whitewater, WI, 1982
BOARD OF DIRECTORS
AMCORE Foundation Board - NYCE - Metavante Advisory Board - Rockford Symphony Or
chestra (elect) | AMCORE Bank | AMCORE Investment Group | Midtown District (Trea
surer) | CONTACT of Rockford | Indianapolis Neighborhood Housing Partnership
AFFILIATIONS
American Heart Association | Midwest Retail Bankers Association | Small Business
Development Center Program